Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection"

Transcription

1 Safe Driver Guide

2 Additioal Charges The followig additioal charges may apply to your policy, please see the relevat guide below for a full descriptio of whe these amouts may be charged: Uit trasfer fee if you chage vehicle - 40 Discoectio fee if you cacel your policy after the uit has bee fitted Missed istaller appoitmet fee - 30

3 Safe Driver Guide This Guide sums up the key features ad requiremets of your Safe Driver policy, so you ca uderstad how it works at a glace. The clauses cotaied i this Guide ad the followig Terms ad Coditios are i additio to those i the Bell from Admiral Guide to your Cover booklet, available at ad must be read i cojuctio with the policy documetatio eclosed i your Welcome Pack. By purchasig this Safe Driver policy, which utilises Telematic techology, you are agreeig to the followig policy features ad processes: Your Safe Driver uit Istallatio You coset to havig a Safe Driver uit professioally istalled i the isured vehicle, ad agree to make the vehicle available to our istallatio team withi 30 days of purchasig the policy. Where you are ot the ower of the vehicle you agree that the ower has coseted to this. We or our istallers will cotact you directly to cofirm a appoitmet. If the appoitmet is ot coveiet, you may arrage a more suitable alterative appoitmet as log as it falls withi the first 30 days of the cover period. The uit will be fitted discreetly by professioal egieers who have bee traied accordig to strict guidelies. The Safe Driver uit is compatible with ay type of car ad should ot affect maufacturer or aftermarket warraties that may apply to the isured vehicle. Our istallers will edeavour to visit at a time ad locatio of your choice, however some restrictios may apply. If for ay reaso we are ot able to istall the uit due to our failure or techical difficulties, you may choose to termiate the policy ad will be eligible for a full refud of ay premium paid, subject to you ot havig claimed uder the policy. If you fail to comply with istallatio i the first 30 days, we will treat this as a cacellatio request, ad termiate your policy with seve day s otice, i writig, to your last kow address. Alteratively, i these circumstaces we may offer to revert your policy to a stadard Bell policy, i which case you will lose ay discouts or policy features associated with the Safe Driver policy. Documet Ispectio Like may isurers, whe a policy is purchased we perform a check o customer documets. Rather tha havig to sed these to us by post, all you eed to do is show them to the istaller, who will use a secure app to sca them ad sed them to us wirelessly. Please preset the followig documets to your istaller: Your Drivig Licece Photocard Your Drivig Licece Paper Couterpart Our istallers will ot be authorised to istall the Safe Driver uit i your vehicle if you fail to provide the relevat documetatio, i which case a missed appoitmet fee of 30 may apply. Your policy may also be cacelled if you fail to Page 1

4 supply the required documetatio withi the first 30 days of the policy. If you are havig difficulty locatig your documets please call our Customer Services team o for assistace. Calls to 0871 umbers are charged at 8p per miute plus etwork extras. Your Drivig Oce your Safe Driver uit has bee istalled, just drive as you ormally would. The uit allows us to uderstad how smoothly you drive your car, how far you travel ad what time of day you drive. Cosistet good drivig could ear you a better reewal price! We use the data the uit seds us to assess the way your car is drive ad the we tur this ito a score based o how safe we iterpret your drivig to be. Your score will place you i oe of several performace groups, which will show you how you compare to other policyholders. You ca view details of your curret performace group, ad see how it has chaged over time via your ow persoal dashboard website. How does my drivig affect my score? We look at a rage of drivig behaviour ad vehicle use to work out your drivig score. Some factors which have a large impact o how you score are: Harsh drivig Acceleratig ad brakig harshly or suddely gives other road users less time to react to your movemets, ad also teds to bur more fuel. Aticipatig your ext move ad drivig smoothly will help your score ad your fuel bill too! Late Night Drivig - Drivig i the late eveig through to the early hours is the riskiest time to be o the road Statistically this is whe the most serious accidets occur, especially for youg drivers. Try to avoid late drives to get the best score. Speedig - If you frequetly drive above the speed limit this will reduce your score. Drivig at a speed appropriate for the road ad coditios is the safest approach ad will help you maximise your score. Your score ad Performace Group are based o the way your car is drive cosistetly over time, so the occasioal harsh evet, late trip or a emergecy stop is ulikely to chage your group. If you are a smooth, cosistet driver that avoids late-ight drivig you are more likely to be i a high Performace Group, ad be eligible for a lower premium at reewal. Drivers who score i the lower Performace Groups may see their premium rise at reewal. It is importat to remember that your drivig score ca be affected by the way other people drive the vehicle, so make sure your amed drivers are aware of this ad remid them to follow your example behid the wheel! Policy Details Your isurace premium is based o the iformatio you declared to us durig the quote ad purchase process, so it is importat to make accurate declaratios to esure you are covered i the evet of a accidet. We use the data the Safe Driver uit seds to check the accuracy of policy iformatio, ad will cotact you i the evet of ay queries, or if we feel that chages may be required to your policy. Page 2

5 Mileage The aual mileage you declare at the start of your policy acts as your mileage limit for the policy term. If the Safe Driver uit data shows you will exceed this amout by a sigificat margi of 25% or more, we will cotact you ad update your policy details with a higher mileage limit which may icrease your premium. Review Poits If whe you purchased the policy you agreed to a review poit six moths ito the policy term, we will compare your drivig score to that of other policyholders, ad adjust your premium based o how you have performed. We will iform you of ay chages to your premium i writig. Premium chages will be capped at the levels you agreed to whe you purchased the policy. If you are usure whether you have agreed to ay review poits, please refer to your welcome or call us o for cofirmatio. Calls to 0871 umbers are charged at 8p per miute plus etwork extras. Please ote, if you make a fault claim agaist your policy before your review date, you will o loger be eligible for a discout at the review poit. Assistace Calls If the Safe Driver uit detects a impact which is severe eough to idicate a crash, it will attempt to otify our assistace team, who may try to cotact you via the telephoe umbers you have provided to check you are safe, ad to offer you crash assistace i lie with the cover you hold uder your policy. Please esure you provide us with correct mobile cotact umber(s) whe you set your policy up, ad keep your policy up to date with ay chages i order for this service to be effective. We will oly discuss such matters with the Policyholder, Named Drivers, Spouses or Parets, as outlied i the Istructios sectio of the Guide to your Cover. Please ote this service is ot guarateed, ad it is importat that you take all available measures to safeguard yourself ad ay other party ivolved i a accidet, iformig the emergecy services where appropriate. Please also remember you are required to iform our claims departmet of ay accidet, damage, loss or claim o Calls to this umber are charged at 5p per miute from BT Ladlies. Calls from mobiles ad other etworks may vary. Fees ad Charges There is o charge to you for iitial istallatio ad use of the Safe Driver uit. You will ot be charged ay fees if your uit develops a fault ad techical support or a egieer call out is required. You will ot be charged ay fees if you reach the ed of your policy term ad decide ot to reew your Safe Driver policy. However, i the circumstaces below the followig fees will become due: You must iform us beforehad if you ited to chage your vehicle. The Safe Driver uit i your old vehicle will eed to be deactivated, ad a ew oe will be fitted to your ew vehicle. This process will icur a 40 service ad fittig charge. Page 3

6 If you cacel a arraged appoitmet with oe of our istallers with less tha 24 hours otice, or fail to atted a pre-booked istallatio appoitmet, you will be charged a 30 fee to cover costs icurred by the istallers. If you decide to cacel your policy before the agreed policy term eds, the uit will be deactivated ad you will be subject to a discoectio fee of 100. This fee is i additio to ay mid-term cacellatio fees detailed i the i the Bell Guide to your Cover booklet. If you decide you o loger wish to utilise the Safe Driver uit istalled i your vehicle durig the policy term, this will be treated as a cacellatio request ad the discoectio fee will apply. If you choose to cacel your policy withi the first 14 days, before the uit is istalled, the our cacellatio charge of applies (subject to you ot havig made a claim uder the policy). However if you choose to cacel your policy withi the first 14 days ad your Safe Driver uit has already bee fitted, the you will also be subject to the 100 discoectio fee oted above. Your Data ad Privacy We take your privacy seriously, ad are committed to dealig with your data i accordace with the Data Protectio Act 1988 ad Europea Data Protectio Directive. We will ever voluteer iformatio about your drivig to the police or other authorities uless either you coset to this, we are required to by law, or fraud is suspected. Please see the Terms ad Coditios at the ed of this documet for full details of how we protect your privacy ad process your data. Page 4

7 Supplemetary Geeral Terms ad Coditios Further Defiitios specific to Supplemetary Terms ad Coditios Safe Driver Uit, Telematic Uit or Uit meas electroic o-board equipmet (icludig coectios ad related wirig) which records ad trasmits vehicle usage data to us ad which is fitted to your vehicle by us or our agets. We, Our, Us meas Bell, a tradig ame of EUI Limited, part of the Admiral Group. OCTO meas Octo Telematics S.p.A, who provide the services associated with the Telematic Uit Your Vehicle meas the private car isured uder the isurace policy. Supplemetary Terms & Coditios Summary It is a coditio of this isurace policy that you have a Telematic Uit istalled i the isured vehicle ad that it remais i use at all times. The uit is owed by EUI Limited, tradig as Bell Isurace. The uit is licesed to you for the purposes of your Bell isurace policy, icludig services related to the policy. The uit is comprised of a small box ad coectors, which will be fitted discreetly ito your vehicle professioally by a approved istaller service. We will arrage for a techicia to visit you ad istall the device. The device allows us to verify the maer i which the vehicle is drive, ad to check iformatio you have provided such as the aual mileage the vehicle covers ad where it is kept overight. Istallatio Our appoited istallers are fully traied to istall the Telematic Uit i your vehicle to appropriate idustry stadards, ad they will do so with reasoable care ad diligece. We or our istallers will cotact you to arrage a time ad locatio for the istallatio of the Telematic Uit i Your Vehicle. IMPORTANT The Telematic Uit must be istalled i your vehicle withi the first 30 days of the policy, or your isurace policy will be cacelled. Shortly after you purchase the policy, our istallers will cotact you by phoe call ad SMS message to book a istallatio appoitmet. If you miss the calls, you should cotact the istallers by telephoe to book a appoitmet, usig the cotact details they have provided via SMS or voic . At the poit of bookig, our istallers will edeavour to provide you with a choice of coveiet appoitmets at suitable locatios withi the 30 day timescale. If you rearrage a appoitmet, you must esure the ew appoitmet falls Page 5

8 Page 6 withi the first 30 days, or you risk policy cacellatio. It is your resposibility to esure that the Registered Keeper or ay other party who has a iterest i the owership of your vehicle (such as your parter or a hire purchase compay) has agreed that the Telematic Uit ca be istalled i your vehicle. It is also your resposibility to esure that ayoe else who uses your vehicle is aware that a Telematic Uit is istalled, ad that it gathers data about the use of the vehicle. As part of the services provided uder this policy, summary drivig iformatio idicatig a Performace Group is available via a web portal to which the policyholder is give access. All users of the vehicle should be aware that this summary data relates to the overall way the vehicle is drive, but does ot attempt to idetify which driver was drivig at ay particular poit. Late Cacellatio of Appoitmet If you do ot preset your vehicle at the time ad locatio agreed with us or our istallers for the istallatio or de-istallatio of the Telematic Uit, or if you cacel such a appoitmet with less tha 24 hours otice the you will be charged a fee to cover the costs the istallers icur as a result. This fee is set at 30, ad this amout will be charged to you via your Bell policy. Dealig with Faults ad Limitatios of Service We, via Octo s appoited etwork of istallers, will perform the iitial istallatio of the Telematic Uit at o charge to you. The Telematic Uit has obtaied all the relevat techical approvals ad idicators of complete safety ad reliability, so will ot harm or iterfere with your vehicle. The uit is compatible with ay type of vehicle, ad should ot affect ay maufacturer or aftermarket warraty. The approved etwork of istallers cosists of qualified staff, who have bee carefully selected ad traied accordig to strict guidelies. The istallatio service provided is guarateed agaist faulty workmaship ad/or materials. Durig the agreed isurace term ay faulty or icorrect istallatio will be rectified free of charge. If, durig the term of the isurace policy, the Telematic Uit is suspected by us to be defective, we will cotact you ad make all reasoable edeavours to repair or (at our optio) replace the uit free of charge. If durig this term you suspect the Telematic Uit to be defective for ay reaso you must otify us as soo as possible, by callig our helplie o to eable us to ivestigate, ad if ecessary to repair or (at our optio) replace the Telematic uit i your vehicle free of charge. Calls to the helplie umber cost o more tha stadard atioal rates from a BT ladlie, Calls from mobiles ad other etworks may vary. If a visit from a egieer is required to repair or replace your uit, you will agai be cotacted by us or the istaller etwork, ad give a choice of appoitmets to suit you. You must esure your vehicle is made available to our egieers withi 30 days of our request to ispect the uit, or your policy may be cacelled.

9 You accept that the Telematic Uit uses the battery power supply ad so there may be a small drai o your battery eve whe the vehicle is ot beig used. You accept it is your resposibility to maitai your vehicle ad battery i good workig order. To help alert you of ay battery issues, we will sed you a SMS alert if the uit detects a low battery charge. The collectio ad trasmissio of data by the Telematic Uit may occasioally be impaired or iterrupted by operatioal ad/or atmospheric coditios, power failures, or other causes, coditios or evets beyod the reasoable cotrol of Bell or Octo, or the capabilities of the Telematic Uit. The trasmissio ad receipt of data is depedet upo mobile telecommuicatios services ad you ackowledge that this service may be iterrupted, circumveted or compromised. If trasmissio of data is affected i the maer described i this paragraph, this does ot ecessarily mea the Telematic uit is defective. However, we ad/or Octo will make reasoable efforts to rectify the problem with such trasmissio where it is possible for us to do so. Wherever possible Bell will provide the services associated with the Telematic Uit, icludig the calculatio ad provisio of drivig scores ad web-based feedback, ad ay additioal services that may be developed ad implemeted durig the term of the policy. If, due to the coditios listed above, or due to the failure of oe or more of our Third-Party suppliers or the Telecommuicatios etworks upo which they rely, provisio of these services becomes impossible or severely impeded, the Bell may have to withdraw them. If this occurs Bell will cotiue to provide you with the isurace services you have purchased, with the omissio of the services related to the Telematics uit. I the case of policies that iclude Review Poits to vary the premium up or dow, these will remai at the iitial premium you were quoted ad o reviews will take place. I ay case of service withdrawal you will be otified ad give the optio to cacel your policy at o additioal cost. Durig the agreed policy term we may, at our discretio, replace the Telematic Uit at our expese with ay other Telematic Uit providig you with at least the same fuctioality. This will eable us to esure the Telematic Uit is updated if there are techological chages or improvemets. Tamperig The uit has tamper cotrols ad attack safe guards. If the itelliget alert system is triggered it will otify Octo of ay uauthorised tamperig with the device. A ivestigatio will be iitiated ad a physical ispectio by a egieer will be required. You will ot, or will you permit ay other perso to tamper with, reverse egieer, dismatle, remove the SIM or other compoets from, relocate or make ay alteratios, additios or improvemets to ay part of the Telematic Uit. You will ot, or will you permit ay other perso to tamper with the GPS/ GSM sigal that is emitted from the Telematic Uit. Whilst you are a policyholder, o oe other tha us ad/or our agets or service providers may istall, de-istall, modify or repair the Telematic Uit. Please ote Page 7

10 that tamperig with the Telematic Uit will ivalidate all warraties relatig to the uit ad istallatio. Damage or loss caused by ay form of tamperig or opermitted iteractio with the Telematic Uit is ot covered by this isurace policy. If followig a ivestigatio you or ayoe else is prove to have tampered with the Telematic Uit, you will be required to pay for ay actual costs we, the istaller, or Octo have icurred icludig deistallig, repairig or replacig the defective Telematic Uit or parts thereof. Your isurace policy will also be cacelled ad you will be liable for the discoectio ad cacellatio fees outlied i the additioal charges sectio of these terms ad coditios. If evidece suggests that the tamperig was performed deliberately i order to disrupt Bell s ability to collect data, we will treat the matter as fraud. Cacellatio of Your Isurace Policy ad Impact o the Telematic Uit If the isurace policy is cacelled all Telematic services ad features relatig to Telematic services will cease to apply. You should ot attempt to remove the Telematic Uit from the vehicle yourself as it will have bee itegrated ito your vehicle. We will ot be resposible for ay damage to the isured vehicle caused by de-istallatio of the Telematic Uit by you or ayoe actig o your behalf. To otify us of your itetio to cacel your policy ad discuss your optios, please cotact Bell Customer Services o the followig umbers Calls to 0871 umbers are charged at 8p per miute plus etwork extras. Normally, if you cacel your policy midterm we will remotely deactivate the uit so it caot collect or trasmit ay data. As we ca o loger use this hardware, you will be required to cover the costs of such deactivatio. These costs will take the form of a discoectio charge, as explaied i the Fees ad Charges sectio, ad will be separate to ay cacellatio fees that may apply as part of your Bell policy. Similarly, if at ay time durig the policy term you o loger wish to use the Telematic Uit ad ask us to remotely deactivate it, we will treat this as a cacellatio request made by you ad discoectio ad cacellatio fees will be charged i lie with those explaied i the Fees ad Charges sectio. O occasios we may request that the Telematic Uit is physically removed from your vehicle at policy cacellatio. If this occurs the discoectio fee will cover the call-out ad removal charges we icur, so the cost to you will ot chage. If you decide to cacel your policy at reewal, the uit will be left i place i a discoected state ad will ot collect or trasmit ay data. I these cases you will ot be charged. If you wish for the uit to be de-istalled the a charge will apply to cover call out ad removal charges. Agai this will be equal to our mid-term discoectio charge. I all cases of cacellatio we aim to deactivate the Telematic Uit as quickly as possible after the isurace cover ceases, however due to the processig time ivolved there may be a short period betwee your policy beig cacelled ad the uit beig deactivated, where Page 8

11 data is still collected. If for ay reaso this period exceeds 7 workig days, the data collected after cacellatio will be aoymised ad disassociated from your drivig profile ad/or score. Damage to the Telematic Device as a Result of Accidetal Damage to or Theft of Your Vehicle Whilst the vehicle i which the Telematic Uit is istalled is isured uder your Bell policy the Telematic Uit will also automatically be isured uder the policy. If you make a claim uder your policy for damage to or loss of the Telematic Uit whilst istalled i your vehicle, ad Bell agree to settle this claim, we will repair or, at our optio, replace the Telematic Uit subject to the terms ad coditios of your policy, ad subject to the policy cotiuig. Your Drivig We use the iformatio from the Telematic Uit to assess how you drive ad look for patters of safe drivig behaviour. We compare your drivig to that of other customers who also hold Telematics equipped policies, ad calculate a drivig score based o how you drive, ad how your drivig compares to other customers. This calculatio is fed back to you i the form of the Performace Group we preset to you via the Dashboard website. At reewal we will use this score ad Performace Group to determie if your Reewal price should be discouted or icreased. I either case, you are free to choose whether to reew or buy from a differet isurer, with o additioal barriers to switchig or fees to pay. Throughout your policy term, we may periodically sed you remiders of your Performace Group, other scorerelated feedback, hits ad tips, ad opportuities to participate i scorebased challeges via , SMS, ad i writig. These commuicatios will ot take the form of marketig or promotioal material. Accuracy of Policy Details We also use iformatio from the uit to check the accuracy of iformatio you have declared to us whe you purchased the policy. We will adjust or correct policy iformatio relatig to your aual mileage, where your vehicle is kept overight ad what your car is used for if the Telematic Uit idicates these details are icorrect or have bee misrepreseted. If ay such adjustmets are required which affect your isurace premium, we will otify you, i writig, i advace of ay charges or refuds beig processed. Mileage The aual mileage you declare at the start of your policy acts as your limit for the policy term. If the Telematics data shows you have exceeded, or are likely to exceed this limit by 25% or more we will cotact you ad update your policy details with a higher mileage limit. Ay chage i premium for such amedmets will be assessed based o your idividual policy details ad o flat rates for mileage icreases will apply. No premium chage will be automatically processed for customers who do ot exceed their stated mileage limit. Page 9

12 Page 10 Data Protectio ad Privacy This Privacy Policy will help you uderstad how we collect, use ad protect your persoal iformatio whe you iteract with us. Please take a few momets to read the sectios below ad lear how we may use your persoal iformatio; by providig your persoal details to us you coset to its use i accordace with this Privacy Policy. IMPORTANT It is importat that you otify ay authorised perso that drives your vehicle that a Telematic Uit has bee istalled ad that their jourey will be moitored ad data collected. Also, if you give us iformatio about aother perso, i doig so you cofirm that they have give you permissio to provide it to us to be able to process their persoal data (icludig ay sesitive persoal data), ad also that you have told them who we are ad what we will use their data for. Who we are & how we will use your iformatio For the purpose of the Data Protectio Act 1998, the data cotrollers for ay persoal data you supply or that is recorded by the Telematic Uit are EUI Limited ad Octo Telematics S.p.A. Admiral, Bell, Diamod ad elephat. co.uk are all tradig ames of EUI Limited. We, EUI Limited ad Octo Telematics S.p.A ad ay appoited agets ad/ or service parters, will process your iformatio i accordace their respective resposibilities uder the Data Protectio Act 1998 ad ay applicable UK ad EEA legislatio. To protect your iformatio captured by the Telematic Uit, it will be trasmitted i a secure format. From the istallatio, we will use the Telematic Uit to capture data from your vehicle relatig to the date, time, speed, locatio ad other associated vehicle iformatio. We will gather data from your vehicle to eable us to: Test your Telematic Uit (e.g. durig istallatio) Provide you with a isurace premium based upo your drivig performace Provide you with ay additioal optioal Telematic services that are or may become available, where you agree to these at purchase or durig the lifetime of your policy. Third Parties Telematic data will oly be disclosed to other parties i the followig circumstaces: To our agets ad subcotractors for operatioal reasos, icludig providig the agreed services uder the policy If we are required by law to disclose the iformatio, such as to our regulators or if we are issued with a court order To Octo S.p.A, as detailed below EUI Ltd, Octo, ad those actig for both compaies, will use the data captured by the Telematic Uit for the purposes of: Calculatig ad chargig isurace premiums based upo actual vehicle usage, ad compilig ad geeratig Drivig Scores Cotrollig your persoal data for the purpose of providig you with services relatig to the isurace

13 policy. We will process your iformatio i accordace with our resposibilities uder the Data Protectio Act 1998 ad Europea Data Protectio Directive Carryig out the istallatio, activatio, deistallatio, discoectio, servicig, updatig or testig of the Telematic Uit Geeral research ad aalysis, mappig purposes, researchig ad refiig techiques for aalysig motor Telematics data ad the supply of traffic iformatio. I all such circumstaces the iformatio will be used aoymously ad will ot idetify ay idividual, vehicle user, or the policyholder Eablig EUI Ltd, Octo ad ay service parters, to cotact you by post, electroic mail, telephoe or text messagig regardig the admiistratio of your isurace policy ad the associated services. Provisio of the isurace services uder the policy, icludig maagemet of claims, uderwritig ad policy servicig. Data will be used for ay uderwritig or claims developmet or ivestigatios that may be required, ad for fraud prevetio, detectio ad ivestigatio purposes Your iformatio may also be shared with the relevat isurace ad claims databases, i accordace with the Privacy Policy, show below. 1. Policy Iformatio Your policy details will be added to the Motor Isurace Database (MID), ru by the Motor Isurers Iformatio Cetre (MIIC). MID data may be used by the DVLA ad DVLNI for the purpose of Electroic Vehicle Licesig ad by the Police for the purposes of establishig whether a driver s use of the vehicle is likely to be covered by a motor isurace policy ad/or for prevetig ad detectig crime. If you are ivolved i a accidet (i the UK or abroad), other UK isurers, the Motor Isurers Bureau ad MIIC may search the MID to obtai relevat policy iformatio. Persos pursuig a claim i respect of a road traffic accidet (icludig citizes of other coutries) may also obtai relevat iformatio which is held o the MID. You ca fid out more about this from us, or at uk. 2. Claims Iformatio Isurers pass iformatio to the Claims ad Uderwritig Exchage Register, ru by Isurace Database Services Ltd (IDS Ltd) ad the Motor Isurace Ati-Fraud ad Theft Register ru by the Associatio of British Isurers (ABI). The aim is to help us to check iformatio provided ad also to prevet fraudulet claims. Uder the coditios of your policy, you must tell us about ay icidet (such as a accidet or theft) which may or may ot give rise to a claim. Whe you tell us about a icidet, we will pass iformatio relatig to it to the registers. Data trasfer outside the EEA (Europea Ecoomic Area) Your persoal iformatio may be trasmitted to, ad stored i, coutries outside the EEA (for example i the case of a isurer s data cetre sited abroad). Although the Data Protectio Act does ot apply i these coutries (which i some cases may have weaker laws protectig the privacy of data) we will take all ecessary steps to protect the privacy of your persoal data. Page 11

14 Cofidetiality We will edeavour to treat your persoal iformatio as private ad cofidetial. We would like to brig to your attetio our obligatios to disclose iformatio i the followig four exceptioal cases permitted by law, ad the other situatios set out below. These are: Where we are legally compelled to do so Where there is a duty to the public to disclose Where disclosure is required to protect our iterest Where disclosure is made at your request or with your coset Also, from time to time we will employ agets ad subcotractors to process your persoal iformatio o our behalf. The same duty of cofidetiality ad security will apply to them ad all processig will be carried out uder our istructio. We may also disclose iformatio about you: To compaies withi the Admiral Group (For the purposes of this Privacy Statemet, Admiral Group meas Admiral Group plc ad ay compay or etity i which Admiral Group plc ows more tha 15% of the issued share capital. Compaies i the Admiral Group shall iclude, without limitatio, EUI Limited, Admiral Isurace Compay Ltd, Admiral Isurace (Gibraltar) Ltd, Ispop.com Ltd, Able Isurace Services Ltd ad ay other compay that is icorporated withi the Admiral Group at ay time i the future). I the evet that we udergo re-orgaisatio or are sold to a third party, i which case you agree that ay persoal iformatio we hold about you may be trasferred to that re-orgaised etity or third party. Where it is ecessary to deliver the products ad services bought by you. It may also be ecessary for us to pass your persoal iformatio to the orgaisatio from whom you have ordered ay products or services. At all times, EUI Limited will remai the Data Cotroller uless we iform you otherwise. Iformatio Security Please be aware that our website will cotai liks to other websites. We accept o resposibility or liability for the cotet of these websites. If you choose to visit aother website via our website, you will eed to cotact them separately to have your persoal iformatio deleted from ay list they might hold. Please be aware that commuicatios over the Iteret, such as s or webmails, are ot secure uless they have bee ecrypted. Although we will do our best to protect your persoal data, we caot guaratee the security of your data trasmitted to our site; ay trasmissio is at your ow risk. Oce we have received your iformatio, we will use strict procedures ad security features to try to prevet uauthorised access. Moitorig of commuicatios Telephoe calls ad ay electroic commuicatios betwee us (for example ) may be recorded ad moitored. Page 12

15 Access to Persoal Data ad Privacy Support You ca write to us at ay time to obtai details of the persoal iformatio that we may hold about you. Please write to the Data Protectio Officer, EUI Limited, Capital Tower, Greyfriars Road, Cardiff CF10 3AZ. Please provide your ame ad address ad tell us what iformatio you would like. We will take all reasoable steps to cofirm your idetity before providig you with details of ay persoal iformatio we may hold about you. Please provide two forms of idetificatio such as a copy of a drivig licece, passport, or documet cotaiig your sigature, ad a copy of a recet utility bill that cofirms your address. I accordace with the Data Protectio Act 1998, we are etitled to charge 10 to cover the admiistratio costs. Please make cheques payable to EUI Limited. Chages to this Privacy Policy Because techologies o the Iteret chage so quickly, we keep this Privacy Policy uder regular review. We reserve the right to modify this Privacy Policy from time to time without prior otificatio; therefore you should regularly review this policy whe you visit Page 13

16 This booklet is made from recycled paper. BL

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30 Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see Sectio 3 of your Safe Driver guide for a full descriptio of whe these amouts may be charged: Uit

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

There s Wealth in Our Approach.

There s Wealth in Our Approach. Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services

More information

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Baan Service Master Data Management

Baan Service Master Data Management Baa Service Master Data Maagemet Module Procedure UP069A US Documetiformatio Documet Documet code : UP069A US Documet group : User Documetatio Documet title : Master Data Maagemet Applicatio/Package :

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

PROPERTY OWNERS INSURANCE POLICY SUMMARY

PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY This documet is a summary of your Policy ad other key iformatio about the isurace cover that you should read. It does ot

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

Keep me safe. Motorcycle Insurance. Policy document

Keep me safe. Motorcycle Insurance. Policy document Keep me safe Motorcycle Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded

More information

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle A like for like hire car Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim

More information

Motor legal expenses. Keep me safe

Motor legal expenses. Keep me safe Motor legal expeses Keep me safe Motor legal expeses This legal expeses isurace is part of your LV= motor isurace policy ad your isurace schedule will cofirm if this cover is icluded. You must read your

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of car isurace CAR Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle Arragig a hire motorcycle Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of motorcycle isurace motorcycle Isurace A guide to your cover ad how to

More information

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim Documet of motor trade isurace MOTOR TRADE Isurace A guide to your cover ad how to make a claim Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your policy is uderwritte by Highway

More information

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS I the sprig of 2008, Stadig Together agaist Domestic Violece carried out a piece of collaborative work o domestic violece

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843

More information

Home Shield. Summary IN IRELAND

Home Shield. Summary IN IRELAND Home Shield Summary IN IRELAND Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Geeral iformatio 11 Security requiremets 11 What if I wat to cacel the policy?

More information

Feed in Tariff. Application Form

Feed in Tariff. Application Form Feed i Tariff Applicatio Form Feed i Tariff Applicatio Form How to complete this form: You eed to check you re eligible to joi the Feed i Tariff (FiT) first, by visitig our website power.com ad readig

More information

Tenants handbook Booklet 4. Paying your rent. June 2015

Tenants handbook Booklet 4. Paying your rent. June 2015 Teats hadbook Booklet 4 Payig your ret Jue 2015 Your Ret ad other charges Payig your ret ad other charges is a coditio of your teacy. If you do ot pay, you will have broke your teacy agreemet with us.

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Isurace Your itroductio to Saga Motor Isurace Cotets Your itroductio to Saga Motor Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

auction a guide to buying at Commercial

auction a guide to buying at Commercial Commercial a guide to buyig at auctio Allsop is the market leader from commercial ad residetial auctios i the UK Aually sells aroud 700 millio of property at auctio Holds six commercial ad seve residetial

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim PRINTER FRIENDLY VERSION Keep me somewhere safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy.

More information

Unicenter TCPaccess FTP Server

Unicenter TCPaccess FTP Server Uiceter TCPaccess FTP Server Release Summary r6.1 SP2 K02213-2E This documetatio ad related computer software program (hereiafter referred to as the Documetatio ) is for the ed user s iformatioal purposes

More information

AXA Car Insurance. Your policy booklet August 2008 edition

AXA Car Insurance. Your policy booklet August 2008 edition AXA Car Isurace Your policy booklet August 2008 editio Welcome to AXA Welcome to the expertise ad quality of the AXA Group Respect With over 100 years experiece, AXA is a world leader i fiacial protectio

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of va isurace va Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part

More information

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of va isurace va Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part

More information

The Vehicle Warranty Products Code

The Vehicle Warranty Products Code The Vehicle Warraty Products Code Applyig to warraty admiistrators govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig What our promise meas to you 6 What

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

client communication

client communication CCH Portal cliet commuicatio facig today s challeges Like most accoutacy practices, we ow use email for most cliet commuicatio. It s quick ad easy, but we do worry about the security of sesitive data.

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

Keep me safe. Van Insurance. Policy document

Keep me safe. Van Insurance. Policy document Keep me safe Va Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843

More information

Florida Governor Rick Scott Signs Senate Bill 408 Into Law

Florida Governor Rick Scott Signs Senate Bill 408 Into Law JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, 2011. The legislative itet of SB408 is to reform the ustable property

More information

Engineering Data Management

Engineering Data Management BaaERP 5.0c Maufacturig Egieerig Data Maagemet Module Procedure UP128A US Documetiformatio Documet Documet code : UP128A US Documet group : User Documetatio Documet title : Egieerig Data Maagemet Applicatio/Package

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3 CHARITY INSURANCE SUMMARY OF COVER 1 summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Irelad Versio 3 2 SUMMARY OF COVER CHARITY INSURANCE summary of cover

More information

Basic Current Account

Basic Current Account Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

Indexed Survivor Universal Life. Agent product guide 15887 7/10

Indexed Survivor Universal Life. Agent product guide 15887 7/10 Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

Xantaro Maintenance Services & Operations. XTAC User Guide. UK Edition

Xantaro Maintenance Services & Operations. XTAC User Guide. UK Edition Xataro Maiteace Services & Operatios XTAC User Guide UK Editio XTAC WORKFLOW The Xataro Techical Assistace Cetre (XTAC) is the cetral iterface for all techical questios ad topics for products ad services

More information

Document of car Insurance. Keep me somewhere safe. car Insurance

Document of car Insurance. Keep me somewhere safe. car Insurance Documet of car Isurace Keep me somewhere safe car Isurace Welcome to lv= frizzell Thak you for choosig to purchase a LV= Frizzell Isurace policy. Your LV= Frizzell policy is uderwritte by Liverpool Victoria

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

France caters to innovative companies and offers the best research tax credit in Europe

France caters to innovative companies and offers the best research tax credit in Europe 1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information

Financial Service Guide (FSG)

Financial Service Guide (FSG) Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia

More information

auction a guide to selling at Residential

auction a guide to selling at Residential Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six

More information

Wells Fargo Insurance Services Claim Consulting Capabilities

Wells Fargo Insurance Services Claim Consulting Capabilities Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

Document of Fleet Insurance

Document of Fleet Insurance FLEET INSURANCE Documet of Fleet Isurace Cotets Welcome to LV= 2 Cotract of Motor Isurace 3 Policy Cover 4 Policy Defiitio of Terms 5 Sectios 1 Liability to Others: Third Party Cover 8 2 Fire ad Theft

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

Ethernet Option Board

Ethernet Option Board Etheret Optio Board Assembly ad Iitializatio Guide for Addig Etheret Commuicatios to a ADP etime Timeclock Documet Part Number: 470552-00 Documet Revisio: B The iformatio i this documet is subject to chage

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO ABC INSURANCE Thak you for choosig to purchase a ABC Isurace policy. ABC Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 10 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Your summary of cover. Saga Motorhome Insurance

Your summary of cover. Saga Motorhome Insurance Your summary of cover Saga Motorhome Isurace Cotets Your itroductio to Saga Motorhome Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal cover optios you ca choose

More information

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.

More information

Domain 1: Identifying Cause of and Resolving Desktop Application Issues Identifying and Resolving New Software Installation Issues

Domain 1: Identifying Cause of and Resolving Desktop Application Issues Identifying and Resolving New Software Installation Issues Maual Widows 7 Eterprise Desktop Support Techicia (70-685) 1-800-418-6789 Domai 1: Idetifyig Cause of ad Resolvig Desktop Applicatio Issues Idetifyig ad Resolvig New Software Istallatio Issues This sectio

More information

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user IT Support IT Support Premier Choice Iteret has bee providig reliable, proactive & affordable IT Support solutios to compaies based i Lodo ad the South East of Eglad sice 2002. Our goal is to provide our

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

FIRST AID AT WORK. What is First Aid? Why is First Aid Important? What the law says. Benefits of First Aid WSPS.CA

FIRST AID AT WORK. What is First Aid? Why is First Aid Important? What the law says. Benefits of First Aid WSPS.CA FIRST AID AT WORK What is First Aid? First aid is the immediate care give to a perso who is ijured or who suddely becomes ill. It ca rage from cleaig a cut ad applyig a badage to helpig someoe who is chokig

More information

procedure does not affect your right to take legal proceedings.

procedure does not affect your right to take legal proceedings. summary of cover CHARITY INSURANCE This isurace policy is desiged to meet the eeds of legally recogised charities or ot-for-profit orgaisatios operatig withi the Uited Kigdom. You ca choose the isurace

More information

SOAR. TO NEW HEIGHTS! Sponsor the 2015 Customer Connections Conference October 18 21 n Austin, Tex.

SOAR. TO NEW HEIGHTS! Sponsor the 2015 Customer Connections Conference October 18 21 n Austin, Tex. SOAR TO NEW HEIGHTS! Sposor the 2015 Customer Coectios Coferece October 18 21 Austi, Tex. About APPA ad the Customer Coectios Coferece Get exclusive access to decisio-makers ad decisio-ifluecers The America

More information

Applying to manufacturers governed by the Trading Standards Institute-approved guidelines

Applying to manufacturers governed by the Trading Standards Institute-approved guidelines The New Car Code Applyig to maufacturers govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig Our advertisig promise 5 What our promise meas to you 5 We

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890

More information

3G Security VoIP Wi-Fi IP Telephony Routing/Switching Unified Communications. NetVanta. Business Networking Solutions

3G Security VoIP Wi-Fi IP Telephony Routing/Switching Unified Communications. NetVanta. Business Networking Solutions 3G Security VoIP Wi-Fi IP Telephoy Routig/Switchig Uified Commuicatios NetVata Busiess Networkig Solutios Opportuity to lower Total Cost of Owership ad improve Retur o Ivestmet The ADTRAN Advatage ADTRAN

More information

Consider these sobering statistics

Consider these sobering statistics Idetity Theft is a form of fraud or Idetity theft cotiues to icrease every year ad has impacted millios of Americas. cheatig of aother perso s idetity i which someoe preteds to be someoe else by assumig

More information

CCH Accountants Starter Pack

CCH Accountants Starter Pack CCH Accoutats Starter Pack We may be a bit smaller, but fudametally we re o differet to ay other accoutig practice. Util ow, smaller firms have faced a stark choice: Buy cheaply, kowig that the practice

More information

Online Banking. Internet of Things

Online Banking. Internet of Things Olie Bakig & The Iteret of Thigs Our icreasigly iteretcoected future will mea better bakig ad added security resposibilities for all of us. FROM DESKTOPS TO SMARTWATCHS Just a few years ago, Americas coducted

More information

Configuring Additional Active Directory Server Roles

Configuring Additional Active Directory Server Roles Maual Upgradig your MCSE o Server 2003 to Server 2008 (70-649) 1-800-418-6789 Cofigurig Additioal Active Directory Server Roles Active Directory Lightweight Directory Services Backgroud ad Cofiguratio

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

AA Van Insurance policy booklet. AA Van Insurance

AA Van Insurance policy booklet. AA Van Insurance AA Va Isurace policy booklet AA Va Isurace A guide to your policy booklet Page Defiitios 2-3 Isurace services Itroductio to your Va Isurace cover 4 If you eed to make a claim 5 If you eed to complai 6

More information

BaanERP. BaanERP Windows Client Installation Guide

BaanERP. BaanERP Windows Client Installation Guide BaaERP A publicatio of: Baa Developmet B.V. P.O.Box 143 3770 AC Bareveld The Netherlads Prited i the Netherlads Baa Developmet B.V. 1999. All rights reserved. The iformatio i this documet is subject to

More information

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

iprox sensors iprox inductive sensors iprox programming tools ProxView programming software iprox the world s most versatile proximity sensor

iprox sensors iprox inductive sensors iprox programming tools ProxView programming software iprox the world s most versatile proximity sensor iprox sesors iprox iductive sesors iprox programmig tools ProxView programmig software iprox the world s most versatile proximity sesor The world s most versatile proximity sesor Eato s iproxe is syoymous

More information

PAYG instalments how to complete your activity statement

PAYG instalments how to complete your activity statement Istructios for busiesses ad ivestors PAYG istalmets how to complete your activity statemet For more iformatio visit www.ato.gov.au NAT 7393-11.2012 Our commitmet to you We are committed to providig you

More information

Professional Networking

Professional Networking Professioal Networkig 1. Lear from people who ve bee where you are. Oe of your best resources for etworkig is alumi from your school. They ve take the classes you have take, they have bee o the job market

More information